七麦数据

Send money smarter. Skip surprise fees. Save more.
Why juggle three apps when one can do it all? Whether you travel, shop online, study or work abroad, ZEN.COM gives you everything in one app: one card, multi-currency account, secure transfers, fair exchange rates, rewards, and buyer protection. Trusted by thousands across Europe and beyond, ZEN.COM keeps your money safe and payments simple.

Travel without borders
Grabbing coffee on your trip abroad? With ZEN.COM, you pay like a local. Exchange your money easily at fair rates and skip hidden fees that many banks still charge. Spend in the currencies you need, including euros, dollars, and yen. Withdraw cash worldwide with no extra charges (within your plan).
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Receive and send money abroad, faster and cheaper
International transfers shouldn’t take days or cost a fortune. With ZEN.COM, you send money fast and at low cost across Europe, worldwide, or card-to-card.
Need to send money instantly to another ZEN user? Send it free with ZEN Buddies.
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Instant top-ups, easy and secure payments
Paying for streaming? Shopping online? ZEN.COM makes it effortless. Top up instantly in 30+ ways: card, bank transfer, local methods, or even cash. Your money, exactly the moment you need it.

Pay anywhere with Apple Pay. Use your phone or watch as your wallet, and track spending in real time.
Spend smart. Get rewarded.

Every time you pay with your ZEN PRO Card, you collect Shards and Stones to redeem for rewards or money back. In selected markets, you also get instant cashback at partner stores (electronics, fashion, beauty, sports, and more) – it’s real money added directly to your account. No points, no waiting.
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Your purchases, protected

Shopping online or withdrawing cash abroad? With ZEN Care, you’re covered from start to finish. If something goes wrong, we’ll take care of the claim. Plus, get up to 2 extra years of warranty on electronics bought with your ZEN PRO Card.

Why switch to ZEN.COM?
* Instant savings: no hidden fees and fair exchange rates
* Safer shopping: buyer protection and extended warranty on electronics
* All-in-one convenience: card, multi-currency account, local and global transfers and currency exchange in one app
* Designed for international professionals, travelers, expats, students and online shoppers
* Trusted by thousands across Europe and beyond


Download now and simplify how you spend, send and save at home or abroad.

Send money smarter. Skip surprise fees. Save more.
Why juggle three apps when one can do it all? Whether you travel, shop online, study or work abroad, ZEN.COM gives you everything in one app: one card, multi-currency account, secure transfers, fair exchange rates, rewards, and buyer protection. Trusted by thousands across Europe and beyond, ZEN.COM keeps your money safe and payments simple.

Travel without borders
Grabbing coffee on your trip abroad? With ZEN.COM, you pay like a local. Exchange your money easily at fair rates and skip hidden fees that many banks still charge. Spend in the currencies you need, including euros, dollars, and yen. Withdraw cash worldwide with no extra charges (within your plan).
Shape

Receive and send money abroad, faster and cheaper
International transfers shouldn’t take days or cost a fortune. With ZEN.COM, you send money fast and at low cost across Europe, worldwide, or card-to-card.
Need to send money instantly to another ZEN user? Send it free with ZEN Buddies.
Shape

Instant top-ups, easy and secure payments
Paying for streaming? Shopping online? ZEN.COM makes it effortless. Top up instantly in 30+ ways: card, bank transfer, local methods, or even cash. Your money, exactly the moment you need it.

Pay anywhere with Apple Pay. Use your phone or watch as your wallet, and track spending in real time.
Spend smart. Get rewarded.

Every time you pay with your ZEN PRO Card, you collect Shards and Stones to redeem for rewards or money back. In selected markets, you also get instant cashback at partner stores (electronics, fashion, beauty, sports, and more) – it’s real money added directly to your account. No points, no waiting.
Shape
Your purchases, protected

Shopping online or withdrawing cash abroad? With ZEN Care, you’re covered from start to finish. If something goes wrong, we’ll take care of the claim. Plus, get up to 2 extra years of warranty on electronics bought with your ZEN PRO Card.

Why switch to ZEN.COM?
* Instant savings: no hidden fees and fair exchange rates
* Safer shopping: buyer protection and extended warranty on electronics
* All-in-one convenience: card, multi-currency account, local and global transfers and currency exchange in one app
* Designed for international professionals, travelers, expats, students and online shoppers
* Trusted by thousands across Europe and beyond


Download now and simplify how you spend, send and save at home or abroad.

Thanks to this one decision, your shopping will be changed for the better.
We don't want to replace your bank. By choosing ZEN, you choose better solutions, better card, better payments and better emotions. In the complicated world of everyday finances, you simply choose a better life.

More is less.
More cashback deals mean less regret when you have to buy something. More years of additional warranty means less worries when something breaks. Lesser currency conversion fees mean more freedom to travel. More value and benefits definitely mean less reasons to keep using your old payment card.

What ZEN can do?

The best shopping payment card.
All ZEN benefits work best when paired with the ZEN Card. Here are its features:
· Earn rewards for every transaction
· Don't worry about your electronics
· Take advantage of promotions unavailable to mere mortals
· Problematic transactions are no longer your problem
· Pay in any currency as in your own

Can your old card do this?

Our integration with Apple Pay ensures fast, secure and hassle-free transactions, eliminating the need to use physical cards or cash.

Earn on every transaction.
For every 3.30 EUR spent on one or across multiple transactions, you will earn a Shard. Use Shards to craft one of five types of Stones with guaranteed value. Higher-value transactions also have a chance to earn the entire Stones.

Extended warranty on electronics
Shop with ZEN Card and extend your warranty by one or two years (depending on the plan). No additional fees. Do you feel like devices are manufactured to break down exactly when the warranty ends? From today, this problem no longer affects you. Even if the device breaks down one day, an extended warranty often means that you will get your money back, or a completely new device, sometimes even a better version.

Superboosted Cashback.
Your new card has built-in discounts for your favorite online shops. Instant Cashback with rates unavailable anywhere else. See where you can use it. ZEN Cashback mixes with all kinds of promotions on the Internet. It's up to you what combination of deals you hunt down. Connect ZEN Cashback with regular discounts, coupons, newsletter sign-up discounts or loyalty points.

ZEN Care Shopping Protection
We will assign you a private shopping security guard. ZEN Care means unique shopping protection built into every card transaction. Dishonest seller? Poor service? Item not as described? Don't worry.
ZEN will help you get your money back.

Pay like a local. Anywhere.
Travel, pay and shop in over 100 countries. Your international card will handle 28 currencies fluently. Forget about currency exchange offices thanks to zero costs for ATM withdrawals. Card payments are already standard in almost all countries, so you no longer need to travel with cash. If necessary, withdraw the required amount from an ATM. No fees.

Best currency conversion rates.
Don't worry and use your ZEN Card conveniently in shops, restaurants and at ATM withdrawals. Discover true freedom of travel. Our mission is to reduce currency conversion costs to a minimum, so that they are consistent with the official exchange rates.

Top up using any method and send anywhere.
How to top up ZEN? As you see fit. By BLIK, cash, quick transfer, your old card or one of the other 30 methods. Deposit and withdraw money at ATMs. If you need to transfer money to a friend or family in another country, use bank transfers (SEPA and SWIFT), card transfers or the internal money transfer system - ZEN Buddies.
Take advantage of the limited promotion and test the highest Pro plan for free for 3 months. No credit card info required.

Find out more: https://www.zen.com

Thanks to this one decision, your shopping will be changed for the better.
We don't want to replace your bank. By choosing ZEN, you choose better solutions, better card, better payments and better emotions. In the complicated world of everyday finances, you simply choose a better life.

More is less.
More cashback deals mean less regret when you have to buy something. More years of additional warranty means less worries when something breaks. Lesser currency conversion fees mean more freedom to travel. More value and benefits definitely mean less reasons to keep using your old payment card.

What ZEN can do?

The best shopping payment card.
All ZEN benefits work best when paired with the ZEN Card. Here are its features:
· Earn rewards for every transaction
· Don't worry about your electronics
· Take advantage of promotions unavailable to mere mortals
· Problematic transactions are no longer your problem
· Pay in any currency as in your own

Can your old card do this?

Our integration with Apple Pay ensures fast, secure and hassle-free transactions, eliminating the need to use physical cards or cash.

Earn on every transaction.
For every 3.30 EUR spent on one or across multiple transactions, you will earn a Shard. Use Shards to craft one of five types of Stones with guaranteed value. Higher-value transactions also have a chance to earn the entire Stones.

Extended warranty on electronics
Shop with ZEN Card and extend your warranty by one or two years (depending on the plan). No additional fees. Do you feel like devices are manufactured to break down exactly when the warranty ends? From today, this problem no longer affects you. Even if the device breaks down one day, an extended warranty often means that you will get your money back, or a completely new device, sometimes even a better version.

Superboosted Cashback.
Your new card has built-in discounts for your favorite online shops. Instant Cashback with rates unavailable anywhere else. See where you can use it. ZEN Cashback mixes with all kinds of promotions on the Internet. It's up to you what combination of deals you hunt down. Connect ZEN Cashback with regular discounts, coupons, newsletter sign-up discounts or loyalty points.

ZEN Care Shopping Protection
We will assign you a private shopping security guard. ZEN Care means unique shopping protection built into every card transaction. Dishonest seller? Poor service? Item not as described? Don't worry.
ZEN will help you get your money back.

Pay like a local. Anywhere.
Travel, pay and shop in over 100 countries. Your international card will handle 28 currencies fluently. Forget about currency exchange offices thanks to zero costs for ATM withdrawals. Card payments are already standard in almost all countries, so you no longer need to travel with cash. If necessary, withdraw the required amount from an ATM. No fees.

Best currency conversion rates.
Don't worry and use your ZEN Card conveniently in shops, restaurants and at ATM withdrawals. Discover true freedom of travel. Our mission is to reduce currency conversion costs to a minimum, so that they are consistent with the official exchange rates.

Top up using any method and send anywhere.
How to top up ZEN? As you see fit. By BLIK, cash, quick transfer, your old card or one of the other 30 methods. Deposit and withdraw money at ATMs. If you need to transfer money to a friend or family in another country, use bank transfers (SEPA and SWIFT), card transfers or the internal money transfer system - ZEN Buddies.
Take advantage of the limited promotion and test the highest Pro plan for free for 3 months. No credit card info required.

Find out more: https://www.zen.com

Thanks to this one decision, your shopping will be changed for the better.
We don't want to replace your bank. By choosing ZEN, you choose better solutions, better card, better payments and better emotions. In the complicated world of everyday finances, you simply choose a better life.

More is less.
More cashback deals mean less regret when you have to buy something. More years of additional warranty means less worries when something breaks. Lesser currency conversion fees mean more freedom to travel. More value and benefits definitely mean less reasons to keep using your old payment card.

What ZEN can do?

The best shopping payment card.
All ZEN benefits work best when paired with the ZEN Card. Here are its features:
· Earn rewards for every transaction
· Don't worry about your electronics
· Take advantage of promotions unavailable to mere mortals
· Problematic transactions are no longer your problem
· Pay in any currency as in your own

Can your old card do this?

Our integration with Apple Pay ensures fast, secure and hassle-free transactions, eliminating the need to use physical cards or cash.

Earn on every transaction.
For every 3.30 EUR spent on one or across multiple transactions, you will earn a Shard. Use Shards to craft one of five types of Stones with guaranteed value. Higher-value transactions also have a chance to earn the entire Stones.

Extended warranty on electronics
Shop with ZEN Card and extend your warranty by one or two years (depending on the plan). No additional fees. Do you feel like devices are manufactured to break down exactly when the warranty ends? From today, this problem no longer affects you. Even if the device breaks down one day, an extended warranty often means that you will get your money back, or a completely new device, sometimes even a better version.

Superboosted Cashback.
Your new card has built-in discounts for your favorite online shops. Instant Cashback with rates unavailable anywhere else. See where you can use it. ZEN Cashback mixes with all kinds of promotions on the Internet. It's up to you what combination of deals you hunt down. Connect ZEN Cashback with regular discounts, coupons, newsletter sign-up discounts or loyalty points.

ZEN Care Shopping Protection
We will assign you a private shopping security guard. ZEN Care means unique shopping protection built into every card transaction. Dishonest seller? Poor service? Item not as described? Don't worry.
ZEN will help you get your money back.

Pay like a local. Anywhere.
Travel, pay and shop in over 100 countries. Your international card will handle 28 currencies fluently. Forget about currency exchange offices thanks to zero costs for ATM withdrawals. Card payments are already standard in almost all countries, so you no longer need to travel with cash. If necessary, withdraw the required amount from an ATM. No fees.

Best currency conversion rates.
Don't worry and use your ZEN Card conveniently in shops, restaurants and at ATM withdrawals. Discover true freedom of travel. Our mission is to reduce currency conversion costs to a minimum, so that they are consistent with the official exchange rates.

Top up using any method and send anywhere.
How to top up ZEN? As you see fit. By BLIK, cash, quick transfer, your old card or one of the other 30 methods. Deposit and withdraw money at ATMs. If you need to transfer money to a friend or family in another country, use bank transfers (SEPA and SWIFT), card transfers or the internal money transfer system - ZEN Buddies.
Take advantage of the limited promotion and test the highest Pro plan for free for 3 months. No credit card info required.

Find out more: https://www.zen.com

Thanks to this one decision, your shopping will be changed for the better.
We don't want to replace your bank. By choosing ZEN, you choose better solutions, better card, better payments and better emotions. In the complicated world of everyday finances, you simply choose a better life.

More is less.
More cashback deals mean less regret when you have to buy something. More years of additional warranty means less worries when something breaks. Lesser currency conversion fees mean more freedom to travel. More value and benefits definitely mean less reasons to keep using your old payment card.

What ZEN can do?

The best shopping payment card.
All ZEN benefits work best when paired with the ZEN Card. Here are its features:
· Earn rewards for every transaction
· Don't worry about your electronics
· Take advantage of promotions unavailable to mere mortals
· Problematic transactions are no longer your problem
· Pay in any currency as in your own

Can your old card do this?

Our integration with Apple Pay ensures fast, secure and hassle-free transactions, eliminating the need to use physical cards or cash.

Earn on every transaction.
For every 3.30 EUR spent on one or across multiple transactions, you will earn a Shard. Use Shards to craft one of five types of Stones with guaranteed value. Higher-value transactions also have a chance to earn the entire Stones.

Extended warranty on electronics
Shop with ZEN Card and extend your warranty by one or two years (depending on the plan). No additional fees. Do you feel like devices are manufactured to break down exactly when the warranty ends? From today, this problem no longer affects you. Even if the device breaks down one day, an extended warranty often means that you will get your money back, or a completely new device, sometimes even a better version.

Superboosted Cashback.
Your new card has built-in discounts for your favorite online shops. Instant Cashback with rates unavailable anywhere else. See where you can use it. ZEN Cashback mixes with all kinds of promotions on the Internet. It's up to you what combination of deals you hunt down. Connect ZEN Cashback with regular discounts, coupons, newsletter sign-up discounts or loyalty points.

ZEN Care Shopping Protection
We will assign you a private shopping security guard. ZEN Care means unique shopping protection built into every card transaction. Dishonest seller? Poor service? Item not as described? Don't worry.
ZEN will help you get your money back.

Pay like a local. Anywhere.
Travel, pay and shop in over 100 countries. Your international card will handle 28 currencies fluently. Forget about currency exchange offices thanks to zero costs for ATM withdrawals. Card payments are already standard in almost all countries, so you no longer need to travel with cash. If necessary, withdraw the required amount from an ATM. No fees.

Best currency conversion rates.
Don't worry and use your ZEN Card conveniently in shops, restaurants and at ATM withdrawals. Discover true freedom of travel. Our mission is to reduce currency conversion costs to a minimum, so that they are consistent with the official exchange rates.

Top up using any method and send anywhere.
How to top up ZEN? As you see fit. By BLIK, cash, quick transfer, your old card or one of the other 30 methods. Deposit and withdraw money at ATMs. If you need to transfer money to a friend or family in another country, use bank transfers (SEPA and SWIFT), card transfers or the internal money transfer system - ZEN Buddies.
Take advantage of the limited promotion and test the highest Pro plan for free for 3 months. No credit card info required.

Find out more: https://www.zen.com

Thanks to this one decision, your shopping will be changed for the better.
We don't want to replace your bank. By choosing ZEN, you choose better solutions, better card, better payments and better emotions. In the complicated world of everyday finances, you simply choose a better life.

More is less.
More cashback deals mean less regret when you have to buy something. More years of additional warranty means less worries when something breaks. Lesser currency conversion fees mean more freedom to travel. More value and benefits definitely mean less reasons to keep using your old payment card.

What ZEN can do?

The best shopping payment card.
All ZEN benefits work best when paired with the ZEN Card. Here are its features:
· Earn rewards for every transaction
· Don't worry about your electronics
· Take advantage of promotions unavailable to mere mortals
· Problematic transactions are no longer your problem
· Pay in any currency as in your own

Can your old card do this?

Our integration with Apple Pay ensures fast, secure and hassle-free transactions, eliminating the need to use physical cards or cash.

Earn on every transaction.
For every 3.30 EUR spent on one or across multiple transactions, you will earn a Shard. Use Shards to craft one of five types of Stones with guaranteed value. Higher-value transactions also have a chance to earn the entire Stones.

Extended warranty on electronics
Shop with ZEN Card and extend your warranty by one or two years (depending on the plan). No additional fees. Do you feel like devices are manufactured to break down exactly when the warranty ends? From today, this problem no longer affects you. Even if the device breaks down one day, an extended warranty often means that you will get your money back, or a completely new device, sometimes even a better version.

Superboosted Cashback.
Your new card has built-in discounts for your favorite online shops. Instant Cashback with rates unavailable anywhere else. See where you can use it. ZEN Cashback mixes with all kinds of promotions on the Internet. It's up to you what combination of deals you hunt down. Connect ZEN Cashback with regular discounts, coupons, newsletter sign-up discounts or loyalty points.

ZEN Care Shopping Protection
We will assign you a private shopping security guard. ZEN Care means unique shopping protection built into every card transaction. Dishonest seller? Poor service? Item not as described? Don't worry.
ZEN will help you get your money back.

Pay like a local. Anywhere.
Travel, pay and shop in over 100 countries. Your international card will handle 28 currencies fluently. Forget about currency exchange offices thanks to zero costs for ATM withdrawals. Card payments are already standard in almost all countries, so you no longer need to travel with cash. If necessary, withdraw the required amount from an ATM. No fees.

Best currency conversion rates.
Don't worry and use your ZEN Card conveniently in shops, restaurants and at ATM withdrawals. Discover true freedom of travel. Our mission is to reduce currency conversion costs to a minimum, so that they are consistent with the official exchange rates.

Top up using any method and send anywhere.
How to top up ZEN? As you see fit. By BLIK, cash, quick transfer, your old card or one of the other 30 methods. Deposit and withdraw money at ATMs. If you need to transfer money to a friend or family in another country, use bank transfers (SEPA and SWIFT), card transfers or the internal money transfer system - ZEN Buddies.
Take advantage of the limited promotion and test the highest Pro plan for free for 3 months. No credit card info required.

Find out more: https://www.zen.com

Thanks to this one decision, your shopping will be changed for the better.
We don't want to replace your bank. By choosing ZEN, you choose better solutions, better card, better payments and better emotions. In the complicated world of everyday finances, you simply choose a better life.

More is less.
More cashback deals mean less regret when you have to buy something. More years of additional warranty means less worries when something breaks. Lesser currency conversion fees mean more freedom to travel. More value and benefits definitely mean less reasons to keep using your old payment card.

What ZEN can do?

The best shopping payment card.
All ZEN benefits work best when paired with the ZEN Card. Here are its features:
· Earn rewards for every transaction
· Don't worry about your electronics
· Take advantage of promotions unavailable to mere mortals
· Problematic transactions are no longer your problem
· Pay in any currency as in your own

Can your old card do this?

Our integration with Apple Pay ensures fast, secure and hassle-free transactions, eliminating the need to use physical cards or cash.

Earn on every transaction.
For every 3.30 EUR spent on one or across multiple transactions, you will earn a Shard. Use Shards to craft one of five types of Stones with guaranteed value. Higher-value transactions also have a chance to earn the entire Stones.

Extended warranty on electronics
Shop with ZEN Card and extend your warranty by one or two years (depending on the plan). No additional fees. Do you feel like devices are manufactured to break down exactly when the warranty ends? From today, this problem no longer affects you. Even if the device breaks down one day, an extended warranty often means that you will get your money back, or a completely new device, sometimes even a better version.

Superboosted Cashback.
Your new card has built-in discounts for your favorite online shops. Instant Cashback with rates unavailable anywhere else. See where you can use it. ZEN Cashback mixes with all kinds of promotions on the Internet. It's up to you what combination of deals you hunt down. Connect ZEN Cashback with regular discounts, coupons, newsletter sign-up discounts or loyalty points.

ZEN Care Shopping Protection
We will assign you a private shopping security guard. ZEN Care means unique shopping protection built into every card transaction. Dishonest seller? Poor service? Item not as described? Don't worry.
ZEN will help you get your money back.

Pay like a local. Anywhere.
Travel, pay and shop in over 100 countries. Your international card will handle 28 currencies fluently. Forget about currency exchange offices thanks to zero costs for ATM withdrawals. Card payments are already standard in almost all countries, so you no longer need to travel with cash. If necessary, withdraw the required amount from an ATM. No fees.

Best currency conversion rates.
Don't worry and use your ZEN Card conveniently in shops, restaurants and at ATM withdrawals. Discover true freedom of travel. Our mission is to reduce currency conversion costs to a minimum, so that they are consistent with the official exchange rates.

Top up using any method and send anywhere.
How to top up ZEN? As you see fit. By BLIK, cash, quick transfer, your old card or one of the other 30 methods. Deposit and withdraw money at ATMs. If you need to transfer money to a friend or family in another country, use bank transfers (SEPA and SWIFT), card transfers or the internal money transfer system - ZEN Buddies.
Take advantage of the limited promotion and test the highest Pro plan for free for 3 months. No credit card info required.

Find out more: https://www.zen.com